M-Pesa collections & reconciliation Built for Kenya.

# Configure Paybill/Till in the dashboard, then:
curl -X POST https://YOUR_DOMAIN/api/stk_push.php \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "channel_id": "YOUR_CHANNEL_UUID",
    "phone": "254712345678",
    "amount": 1500,
    "account_reference": "BPINV-2026-004"
  }'

# Success response
{
  "ok": true,
  "stk_request_id": 1,
  "checkout_request_id": "ws_CO_..."
}

// Verify signature & handle payment
$payload = file_get_contents('php://input');
$sig     = $_SERVER['HTTP_BLUEPAY_SIGNATURE'];
$secret  = getenv('BLUEPAY_WEBHOOK_SECRET');

if (!BluePay::verifySignature($payload, $sig, $secret)) {
    http_response_code(401); exit;
}

$event = json_decode($payload, true);

if ($event['type'] === 'payment.completed') {
    // Mark invoice paid, send receipt email
    markInvoicePaid($event['data']['ref']);
}

// Fetch today's reconciliation report
const report = await fetch(
  'https://api.bluepay.co.ke/v1/reconcile/2026-04-12',
  { headers: { Authorization: `Bearer ${BP_KEY}` } }
).then(r => r.json());

// Returns matched, unmatched & summary
{
  "date": "2026-04-12",
  "total_collected": 485200,
  "matched": 97, "unmatched": 2,
  "transactions": [...]
}